Health insurance for pensioners: Tips from financial experts for cheap alternatives to KVdR

Health insurance for pensioners: Tips from financial experts for cheap alternatives to KVdR

According to a report by www.infranken.de, Economics Minister Robert Habeck has suggested that pensioners should have the opportunity to work longer in order to receive additional income. But how can retirees keep their expenses low, especially those for insurance, and how do they even have health insurance?

The statutory health insurance for pensioners, or KVdR for short, offers pensioners a cost-effective alternative. However, not every pensioner is automatically entitled to be included in this insurance. It is operated by the normal statutory health insurance companies, but for some pensioners only voluntary membership is an option.

For compulsory membership in the KVdR, certain requirements are required, such as a minimum period of insurance in statutory health insurance, periods of family insurance, periods of insurance abroad and raising children.

Pensioners have the opportunity to insure themselves as a voluntary member of the KVdR if they cannot demonstrate the minimum period of insurance. In addition, people with private health insurance can be exempt from compulsory insurance under certain circumstances.

The costs of health insurance for pensioners can be calculated using a sample calculation. According to a report by the German Pension Insurance, the general contribution rate is 14.6 percent, with the DRV covering half and the health insurance company being able to charge an additional individual contribution.

This information shows that retirees have different options for getting insured and that costs vary depending on their individual situation. The exact calculation of costs therefore varies from case to case.